Systems and Methods for Determining and Providing Non-Financial Benefits on a Subscription Basis

1. A method comprising: receiving, by a provider computing system, a request from a customer to open a subscription account; creating, by the provider computing system, the subscription account for the customer; requesting, by the provider computing system, a subscription account preference from the customer, comprising generating a subscription account preference request displayed via a user interface on a device associated with the customer, wherein the subscription account preference comprises at least one topic of interest to the customer; receiving, by the provider computing system, the subscription account preference of the customer, the subscription account preference based on an input of the customer via the user interface; determining, by the provider computing system, a customized budget for the customer, wherein the customized budget allocates acceptable spending trends to a plurality of categories, and wherein categories associated with the at least one topic of interest identified by the subscription account preference receive a larger spending trend allocation; deducting, by the provider computing system, a subscription fee from the subscription account; determining, by the provider computing system, a benefit for the customer, wherein the benefit is offered by a third-party vendor in exchange for a benefit fee, and wherein the determined benefit is based on the received subscription account preference and does not apply to future periods; reimbursing, by the provider computing system, the subscription account for the customer by an amount corresponding to the benefit fee; notifying, by the provider computing system, the customer that the customer does not need to pay the benefit fee for future periods; aggregating, by the provider computing system, benefit fees for a future period for a plurality of customers including the customer; paying, by the provider computing system, the aggregated benefit fees; gathering, by the provider computing system, financial information associated with the customer; analyzing, by the provider computing system, the financial information to identify positive financial behavior of the customer, wherein analysis comprises a verification that spending trends of the customer comport with the determined customized budget of the customer; invoking, by the provider computing system and via the user interface, a graphical depiction executable, wherein the graphical depiction comprises a chart generated by the provider computing system; determining, by the provider computing system, that the positive financial behavior meets a threshold; and offering, by the provider computing system, the customer a reward based on the positive financial behavior meeting the threshold and based on the received subscription account preference.

2. The method of claim 1 , wherein the aggregated benefit fees for the plurality of customers includes a negotiated discount with the third-party vendor.

3. The method of claim 1 , further comprising prompting, by the provider computing system, the customer to select a subscription tier for the subscription account, wherein the subscription fee is associated with the selected subscription tier.

4. The method of claim 3 , wherein the benefit is associated with the selected subscription tier.

5. The method of claim 1 , wherein determining the benefit for the customer comprises: interfacing, by the provider computing system, with a vendor computing system associated with the third-party vendor; and determining, by the provider computing system, based on the interfacing, that the customer already has an account with the third-party vendor associated with the benefit.

6. The method of claim 1 , wherein determining the benefit for the customer comprises at least one of: analyzing, by the provider computing system, a financial history associated with the customer to identify whether the customer has paid for the benefit in the past; or analyzing, by the provider computing system, demographic information associated with the customer to identify the benefit as being selected by other customers holding subscription accounts that are similar to the customer.

7. The method of claim 1 , further comprising: analyzing, by the provider computing system, the financial information to determine spending patterns for the customer; determining, by the provider computing system, one or more recommended spending limits for the customer based on the spending patterns; and setting, by the provider computing system, a budget for the customer including one or more confirmed spending limits.

8. The method of claim 7 , further comprising: monitoring, by the provider computing system, the customer's spending; and notifying, by the provider computing system, the customer of the customer's spending relative to at least one of the one or more confirmed spending limits.

9. The method of claim 1 , further comprising: gathering, by the provider computing system, financial information and demographic information from a plurality of customers holding subscription accounts; aggregating, by the provider computing system, the financial information for the plurality of customers based on the demographic information for the plurality of customers; comparing, by the provider computing system, financial information for the customer to the aggregated financial information for a subset of the plurality of customers having similar demographic information as demographic information for the customer; and preparing, by the provider computing system, a social benchmarking report for the customer based on the comparison.

10. A system comprising: a network interface configured to communicate, via a network, with a customer device associated with a customer; and a processing circuit comprising a memory and at least one processor, the memory storing instructions that are executable by the at least one processor to: receive, from the customer device, a request from the customer to open a subscription account; create the subscription account for the customer; request a subscription account preference from the customer, comprising generating a subscription account preference request displayed via a user interface on a device associated with the customer, wherein the subscription account preference comprises at least one topic of interest to the customer; receive the subscription account preference of the customer, the subscription account preference based on an input of the customer via the user interface; determine a customized budget for the customer, wherein the customized budget allocates acceptable spending trends to a plurality of categories, and wherein categories associated with the at least one topic of interest identified by the subscription account preference receive a larger spending trend allocation; deduct a subscription fee from the subscription account; determine a benefit for the customer, wherein the benefit is offered by a third-party vendor in exchange for a benefit fee, and wherein the determined benefit is based on the received subscription account preference and does not apply to future periods; reimburse the subscription account for the customer by an amount corresponding to the benefit fee; notify the customer that the customer does not need to pay the benefit fee for future periods; aggregate benefit fees for a future period for a plurality of customers including the customer; pay the aggregated benefit fees; gather financial information associated with the customer; analyze the financial information to identify positive financial behavior of the customer, wherein analysis comprises a verification that spending trends of the customer comport with the determined customized budget of the customer; invoke, via the user interface, a graphical depiction executable, wherein the graphical depiction comprises a chart generated by the system; determine that the positive financial behavior meets a threshold; and offer the customer a reward based on the positive financial behavior meeting the threshold and based on the received subscription account preference.

11. The system of claim 10 , wherein the aggregated benefit fees for the plurality of customers include a negotiated discount with the third-party vendor.

12. The system of claim 10 , wherein the instructions are further executable by the at least one processor to prompt the customer to select a subscription tier for the subscription account, wherein the subscription fee is associated with the selected subscription tier.

13. The system of claim 12 , wherein the benefit is associated with the selected subscription tier.

14. The system of claim 10 , wherein the instructions are further executable by the at least one processor to: interface with a vendor computing system associated with the third-party vendor; and determine, based on the interfacing, that the customer already has an account with the third-party vendor associated with the benefit.

15. The system of claim 10 , wherein the instructions are executable by the at least one processor to determine the benefit for the customer by at least one of: analyzing a financial history associated with the customer to identify whether the customer has paid for the benefit in the past; or analyzing demographic information associated with the customer to identify the benefit as being selected by other customers holding subscription accounts that are similar to the customer.

16. The system of claim 10 , wherein the instructions are further executable by the at least one processor to: analyze the financial information to determine spending patterns for the customer; determine one or more recommended spending limits for the customer based on the spending patterns; and set a budget for the customer including one or more confirmed spending limits.

17. The system of claim 16 , wherein the instructions are further executable by the at least one processor to: monitor the customer's spending; and notify the customer of the customer's spending relative to at least one of the one or more confirmed spending limits.

18. The system of claim 10 , wherein the instructions are further executable by the at least one processor to: gather financial information and demographic information from a plurality of customers holding subscription accounts; aggregate the financial information for the plurality of customers based on the demographic information for the plurality of customers; compare financial information for the customer to the aggregated financial information for a subset of the plurality of customers having similar demographic information as demographic information for the customer; and prepare a social benchmarking report for the customer based on the comparison.

19. A method comprising: receiving, by a provider computing system, a request from a customer to open a subscription account; creating, by the provider computing system, the subscription account for the customer; requesting, by the provider computing system, a subscription account preference from the customer, comprising generating a subscription account preference request displayed via a user interface on a device associated with the customer, wherein the subscription account preference comprises at least one topic of interest to the customer; receiving, by the provider computing system, the subscription account preference of the customer, the subscription account preference based on an input of the customer via the user interface; determining, by the provider computing system, a customized budget for the customer, wherein the customized budget allocates acceptable spending trends to a plurality of categories, and wherein categories associated with the at least one topic of interest identified by the subscription account preference receive a larger spending trend allocation; deducting, by the provider computing system, a subscription fee from the subscription account; determining, by the provider computing system, a benefit for the customer, wherein the benefit is offered by a third-party vendor in exchange for a benefit fee, wherein the determined benefit is based on the received subscription account preference and does not apply to future periods, and wherein determining the benefit for the customer comprises: interfacing, by the provider computing system, with a vendor computing system associated with the third-party vendor; and determining, by the provider computing system, based on the interfacing, that the customer already has an account with the third-party vendor associated with the benefit; reimbursing, by the provider computing system, the subscription account for the customer by an amount corresponding to the benefit fee; notifying, by the provider computing system, the customer that the customer does not need to pay the benefit fee for future periods; aggregating, by the provider computing system, benefit fees for a future period for a plurality of customers including the customer; paying, by the provider computing system, the aggregated benefit fees; gathering, by the provider computing system, financial information associated with the customer; analyzing, by the provider computing system, the financial information to identify positive financial behavior of the customer, wherein analysis comprises a verification that spending trends of the customer comport with the determined customized budget of the customer; invoking, by the provider computing system and via the user interface, a graphical depiction executable, wherein the graphical depiction comprises a chart generated by the provider computing system; determining, by the provider computing system, that the positive financial behavior meets a threshold; and offering, by the provider computing system, the customer a reward based on the positive financial behavior meeting the threshold and based on the received subscription account preference.

20. The method of claim 19 , wherein the aggregated benefit fees for the plurality of customers includes a negotiated discount with the third-party vendor.

21. The method of claim 19 , further comprising prompting, by the provider computing system, the customer to select a subscription tier for the subscription account, wherein the subscription fee is associated with the selected subscription tier.

22. The method of claim 21 , wherein the benefit is associated with the selected subscription tier.

23. The method of claim 19 , wherein determining the benefit for the customer further comprises at least one of: analyzing, by the provider computing system, a financial history associated with the customer to identify whether the customer has paid for the benefit in the past; or analyzing, by the provider computing system, demographic information associated with the customer to identify the benefit as being selected by other customers holding subscription accounts that are similar to the customer.